Guides on personal loans, home loans, education loans, credit cards, interest rates, eligibility, benefits, and common mistakes.
अगर आप दुकान, छोटा workshop, tailoring unit, ब्यूटी पार्लर या dairy जैसा काम शुरू करना या बढ़ाना चाहते हैं, तो सबसे पहले यह समझ लीजिए कि Mudra Loan के लिए कौन से दस्तावेज चाहिए। बहुत सी applications इसलिए अटकती हैं क्योंकि business का कोई proof नहीं होता, quotation पुराना होता है, या Tarun की file…
घर खरीदने का फैसला हो गया, flat या plot भी पसंद आ गया, लेकिन bank का sanction अटक गया? ज़्यादातर मामलों में वजह पैसे की नहीं, papers की होती है। Home Loan Documents में एक भी कमी, जैसे Occupancy Certificate न होना, salary slip और bank statement में फर्क, या ITR में कम income, file…
Rohit, a 38-year-old IT professional in Hyderabad, has ₹50 lakh left on his SBI home loan with 20 years to go. From Thursday, 15 October 2026, the benchmark that loan is linked to went up by 0.25 percentage points. If his rate rises from 7.75% to 8%, his EMI goes up by about ₹775 a…
Need ₹1 lakh for three months but your money is locked in a fixed deposit? Breaking the FD is not the only way out. A loan against FD lets you borrow against the deposit while it keeps earning interest. With SBI, the rate is just 1% above your deposit rate, there is no processing fee,…
Rohit, 29, was offered a ₹2 lakh personal loan “at just 12%”. The EMI looked fine: ₹6,643 a month for three years. Then he read the Key Facts Statement the lender had to give him. After a 2% processing fee plus GST and a ₹3,000 insurance charge were taken out, he would get ₹1,92,280 in…
अगर आप खेती, पशुपालन या मछली पालन के लिए Kisan Credit Card (KCC) बनवाना चाहते हैं, तो सबसे पहले यह जान लीजिए कि KCC के लिए कौन से दस्तावेज चाहिए। कई किसानों की application पुराने land record, Aadhaar में गलत नाम या अधूरी crop जानकारी की वजह से हफ्तों pending रह जाती है या लौट…
Before June 2025, the Flipkart Axis Bank credit card was known for one thing: unlimited 5% cashback on Flipkart. That isn’t true any more. Since 20 June 2025, Flipkart cashback has been capped at ₹4,000 per statement quarter. Lounge access is gone, and Myntra now earns 7.5%. Further changes followed on 28 August 2026. Below…
RBI’s rule is blunt: every loan made through an app by a bank or NBFC “shall always be made into the bank account of the borrower”, never to an agent’s account. Every app those lenders use must also be reported to RBI, which then lists it publicly. Together, those two rules give you a quick…
Punjab National Bank launched its festive retail-loan campaign, “PNB Utsav Festivities 2026”, on 5 October 2026. It runs from 1 October to 31 December 2026. According to the bank’s press release, home loans get a “Full waiver of upfront/processing/Documentation fees” and a “5 bps concession”, car loans get a full waiver of upfront and processing…
In RBI’s September 2026 data, 29.6% of all floating-rate rupee loans of scheduled commercial banks were still linked to MCLR at the end of June 2026. That is down from 30.2% at the end of March. External-benchmark (EBLR) loans made up 68.2%. The same release, published on 30 September, showed the median one-year MCLR falling…